This limited time Aventura Points offer is per person for a roundtrip, non-stop flight on WestJet Airlines and is based on all featured routes listed above. This offer is subject to availability and excludes taxes, applicable fees and any fuel surcharges. Flight bookings must be made between October 1, 2018 and November 30, 2018 and for travel starting October 8, 2018 and completed by February 13, 2019. This offer is not available for travel between December 19, 2018 to January 6, 2019. All flight bookings must be made a minimum of 7 days prior to departure date. Aventura Points prices are based on roundtrip airfare with WestJet. This offer is applicable to Aventura Points redemptions only. Routes are bi-directional and work in either direction. Bi-directional grid rules apply to flights originating from Canada/continental US. There are no direct flights available from Montreal to Winnipeg as of November 1, 2018. This offer cannot be combined with any other offers. Flights may not operate on certain days. Fares only apply to flights marketed and operated wholly by WestJet. Seats at these fares are limited and may not be available on all flights. This offer applies to new bookings only through the CIBC Rewards Centre. Tickets are non-refundable. Subject to WestJet change fees. Other departure gateways and dates are available at different rates.

Purchases made at Apple.ca will earn you an additional point per dollar spent when accessed through CIBC Rewards, with the exception of the CIBC U.S. Dollar Aventura® Gold Visa* Card. The additional point will be attributed to your account on the 22nd day after the purchase is made, provided the goods purchased are not returned. In order to receive the additional point per dollar spent, you must be in good standing with an eligible card at the time the points are awarded. Exclusions: Points are issued by CIBC not Apple. The new iPhone Xs, iPhone Xs Max, iPhone Xr and Apple Watch Series 4 are not available for points until further notice. Other products not eligible for points are gift cards, gift wrap, Bose products, Apple Developer Programs and shipping. Apple sells and ships products to end user customers only; you may not purchase for resale. Eligible only to a customer for up to five (5) units per eligible product, except iPhone, in which case only two (2) units within a thirty-day (30-day) period are eligible.

*

Trademark of Visa Int., used under license.

MasterCard®, World MasterCard®, and World Elite MasterCard®are registered trademarks of MasterCard International Incorporated.

All other trademarks are owned by CIBC or related entities.

1

For full details, see maximum ticket prices and Aventura Flight Rewards Chart at the CIBC Rewards Centre. Some airlines may impose fees, restrictions or other conditions on air travel. Aventura Points will be cancelled if they remain unredeemed for 60 days after you voluntarily close your Aventura credit card account or within 12 months of the primary cardholder’s death.

2

Flight availability at this Aventura Point level depends on ticket prices set by airlines. Flights at this Aventura Point level will not be available to all destinations from all departure points and times.

3

You are eligible for the annual fee rebate if you are not a current CIBC cardholder. If you are a current CIBC cardholder, we may approve your application but you will not be eligible for the annual fee rebate.

You are eligible for the additional spend based bonus of 5,000 Aventura points if you are not a current CIBC cardholder. If you are a current CIBC cardholder, we may approve your application but you will not be eligible for the additional spend based bonus of 5,000 Aventura points.

This offer applies to the following eligible cards: CIBC Aventura Visa Infinite and CIBC Aventura Gold. You must apply and be approved for a new eligible card between November 1, 2018 and February 28, 2019 to qualify for this offer.

If you apply and are approved for a new card, you will receive:

i. A one-time annual fee rebate for you (the primary cardholder) and up to three authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. Your new credit card account must be open and in good standing at time the rebate is awarded.

ii. A welcome bonus of 15,000 Aventura Points when you make your first purchase at any time with your card.

iii. An additional bonus of 5,000 Aventura Points if you have at least $1,000 in net purchases during the first 4 monthly statement periods.

The following do not qualify as purchases: cash advances, balance transfers & CIBC Convenience Cheques. It may take up to several business days for purchases to be posted to your account. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. Card account must be open and in good standing at the time the bonus Aventura Points are awarded.

Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Infinite Card or CIBC Aventura Gold Visa Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.

The $400 value is based on the redemption value of 20,000 Aventura Points for airfare purchases, based on the Aventura Airline Rewards Chart at www.cibcrewards.com, before taxes and other charges, as at November 1, 2018.

4

Bonus (double) Aventura Points are earned on each dollar charged to the card on CIBC Rewards Centre travel purchases other than taxes, insurance, service charges or similar items. Aventura Points are not earned on travel obtained by redeeming Aventura Points.

5

Earn 1.5 Aventura Points per dollar charged on purchases (less returns) at merchants classified in the credit card network as grocery stores, service stations or automated gas dispensers or drugstores. This bonus Aventura Points offer is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at grocery, drugstore and gas merchants will earn Aventura Points at the regular rate. The $80,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.

6

Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and surcharges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period.

7

You must apply and be approved for a new eligible card between November 1, 2018 and February 28, 2019 to qualify for this offer.

If you apply and are approved for a new card, you will receive:

i. A one time annual fee rebate for you (the primary cardholder) and up to three authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. Your new credit card account must be open and in good standing at time the rebate is awarded.

ii. A welcome bonus of 20,000 Aventura Points when you make your first purchase at any time with your card.

iii. An additional bonus of 15,000 Aventura Points if you have at least $3,000 in net purchases during the first 4 monthly statement periods.

The following do not qualify as purchases: cash advances, balance transfers & CIBC Convenience Cheques. It may take up to several business days for purchases to be posted to your account. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. Card account must be open and in good standing at the time the bonus Aventura Points are awarded.

Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura® Visa* Card for Business are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.

The $800 value is based on the redemption value of 35,000 Aventura Points for airfare purchases, based on the Aventura Airline Rewards Chart at www.cibcrewards.com, before taxes and other charges, as at November 1, 2018.

8

CIBC will rebate the first year annual fee ($120 each) for you (the primary cardholder) and up to three authorized users added at the time of the application or already on your account ($50 each). This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If you quality, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) on your first monthly statement.

9

Only primary cardholders are permitted to perform a “Payment with Points” or “Financial Product with Points” redemption. Authorized Users and Delegates are not eligible. Redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise. Requested redemption amount must be equal to or less than the cardholder’s available points balance. Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice.

10

You are eligible for the additional spend based bonus of 2,500 Aventura points if you are not a current CIBC cardholder. If you are a current CIBC cardholder, we may approve your application but you will not be eligible for the additional spend based bonus of 2,500 Aventura points.

You must apply and be approved for a new eligible card between November 1, 2018 and February 28, 2019 to qualify for this offer.

If you apply and are approved for a new card, you will receive:

i. Up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC Aventura® Visa* account approval. The following activities are worth 500 Aventura Points each: 1. Share your email address with CIBC; 2. Sign up for eStatements for your new Aventura Visa card; 3. Add an authorized user on your new Aventura Visa card; 4. Hold any eligible CIBC Chequing Account; and 5. Add your Aventura Visa card with Apple Pay® or Samsung Pay. It may take up to two statement cycles for the bonus Aventura Points to appear on your credit card statement after each of the above activities have been completed. You can provide us with your email address and sign up for eStatements through CIBC Online Banking, by visiting a branch or calling 1-800-465-4653. This offer is applicable to the first authorized user added only. Your authorized users will be issued the additional card(s) automatically when we get your request, as long as your credit card account is: a) still in good standing at that time, and b) your request does not exceed a total of 3 authorized users (counting any existing authorized users you may already have). Authorized users under the age of 13 can only be added by calling CIBC at 1-800-465-4653. You must hold any of the following CIBC Chequing accounts: CIBC Everyday® Chequing Account, CIBC Smart™ Account, CIBC PremierService® Account, CIBC US$ Personal Account, CIBC Personal Chequing Account, CIBC EverydayPlus® Chequing Account, CIBC Waive Account®, CIBC MenuPlus® – Maximize Interest Account, CIBC Chequing Savings Account. If you already have an existing eligible CIBC Chequing account or shared your email address with CIBC, you will be qualified to receive the 500 Aventura Points each. If you do not have an eligible account you may apply at https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts.html or by calling 1-866-525-8622. To learn more about the mobile payment options, visit https://www.cibc.com/en/personal-banking/ways-to-bank/ways-to-pay.html

ii. An additional bonus of 2,500 Aventura Points for the CIBC Aventura Visa Card, if you have at least $500 in net purchases during the first 4 monthly statement periods. The following do not qualify as purchases: cash advances, balance transfers & CIBC Convenience Cheques. It may take up to several business days for purchases to be posted to your account. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. Card account must be open and in good standing at the time the Aventura Points are awarded.

Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.

Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. "Purchase" means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments and CIBC Convenience Cheques. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques

17

You must apply and be approved for a new eligible card between November 1, 2018 and February 28, 2019 to qualify for this offer.

If you apply and are approved for a CIBC U.S. Dollar Aventura® Gold Visa* Card you will receive:

i. A one-time annual fee rebate for you (the primary cardholder). If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. Your new credit card account must be open and in good standing at time the rebate is awarded.

ii. Up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC U.S. Dollar Aventura® Gold Visa* account approval. The following activities are worth 500 Aventura Points each: 1. Share your email address with CIBC; 2. Sign up for eStatements for your new U.S. Dollar Aventura Gold Visa card; 3. Add an authorized user on your new U.S. Dollar Aventura Gold Visa Card; 4. Hold any eligible CIBC Chequing Account; and 5. Add your Aventura Visa card with Apple Pay® or Samsung Pay or Google PayTM. It may take up to two statement cycles for the bonus Aventura Points to appear on your credit card statement after each of the above activities have been completed. You can provide us with your email address and sign up for eStatements through CIBC Online Banking, by visiting a branch or calling 1-800-465-4653. This offer is applicable to the first authorized user added only. Your authorized users will be issued the additional card(s) automatically when we get your request, as long as your credit card account is: a) still in good standing at that time, and b) your request does not exceed a total of 3 authorized users (counting any existing authorized users you may already have). Authorized users under the age of 13 can only be added by calling CIBC at 1-800-465-4653. You must hold any of the following CIBC Chequing accounts: CIBC Everyday® Chequing Account, CIBC SmartTM Account, CIBC Bank USA Smart AccountTM ,CIBC PremierService® Account, CIBC US$ Personal Account, CIBC Personal Chequing Account, CIBC EverydayPlus® Chequing Account, CIBC Waive Account®, CIBC MenuPlus® – Maximize Interest Account, CIBC Chequing Savings Account. If you already have an existing eligible CIBC Chequing account or shared your email address with CIBC, you will be qualified to receive the 500 Aventura Points each. If you do not have an eligible account you may apply at https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts.html or by calling 1-866-525-8622. To learn more about the mobile payment options, visit https://www.cibc.com/en/personal-banking/ways-to-bank/ways-to-pay.html

Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC U.S. Dollar Aventura Gold Visa Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.